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RETIREMENT PLAN INVESTOR

Use your plan ID (available on your account statement) to determine which employer-sponsored retirement plan website to use:

IF YOUR PLAN ID BEGINS WITH IRK, BRK, 1 OR 2

Visit americanfunds.com/retire

IF YOUR PLAN ID BEGINS WITH 34 OR 135

Visit myretirement.americanfunds.com

Announcements

November 30, 2020

Upcoming Year-End Deadlines

Many of your clients may have important year-end deadlines approaching.

Keep in mind that all orders (phone, fax, mail) for account transactions with year-end deadlines must be received by American Funds before the close of the New York Stock Exchange (NYSE) on Thursday, December 31, 2020.

Requests received after the close of the New York Stock Exchange (NYSE) will be processed on the next business day — Monday, January 4, 2021 — and will be reported in the 2021 tax year.

Key Deadlines to Review With Clients

Required Minimum Distributions (RMDs)

Clients who are age 70½ (or older) before January 1, 2020 must take their 2020 RMDs by December 31.


Learn more:

RMD for Retirement Plan Owners Age 70½ and Older

Manage Individual Retirement Accounts

Beneficiary Distributions

Remind your clients who are beneficiaries of an IRA that they may need to take their 2020 distributions by December 31.

Gift of Shares

For 2020, clients can gift up to $15,000 ($30,000 for married couples) without incurring tax consequences. If you have clients who want to reduce their tax liabilities for 2020, complete the appropriate form(s) and return to American Funds by December 31.


Forms:

Gift of Shares to an Individual (PDF)

Gift Transfer of Shares to a Charitable Organization (PDF)

Other Deadlines to Keep in Mind

Traditional IRAs, Roth IRAs and Coverdell Education Savings Accounts

Contributions for the 2020 tax year must be made by Thursday, April 15, 2021.

We will accept prior-year contributions that are postmarked by the due date for individual tax returns. Extensions do not apply.


Learn more:

IRAs

Coverdell Education Savings Accounts

SIMPLE IRAs

Establishment. The plan must be established by October 1 of the current calendar year, unless it's a plan for a new business that was established after October 1 of the SIMPLE IRA plan set-up year.

Employer contributions. All contributions must be made by the employer’s tax filing deadline (including extensions).

Employee contributions.  Contributions can begin only after the plan has been established.

 


Learn more:

SIMPLE IRA

Set Up a SIMPLE IRA Plan

SEP Plans

Establishment. The plan must be established by the employer’s tax filing deadline (including extensions).

Employer contributions. All contributions must be made by the employer’s tax filing deadline (including extensions).


Learn more:

SEP IRA

Set Up a SEP IRA Plan

401(k) Plans

Establishment. Plans can be adopted by the due date of the employer's tax return for that year (including extensions). However, the 401(k) feature of a plan may not be made effective earlier than the adoption date. In other words, the 401(k) feature of a plan cannot be adopted retroactively. Additionally, safe harbor 401(k) plans require an initial plan year at least three months long, making October 1 the deadline for a safe harbor plan with a calendar-based plan year.



Learn more:

401(k) and 403(b) Retirement Plans

Investments are not FDIC-insured, nor are they deposits of or guaranteed by a bank or any other entity, so they may lose value.

Investors should carefully consider investment objectives, risks, charges and expenses. This and other important information is contained in the fund prospectuses and summary prospectuses, which can be obtained from a financial professional and should be read carefully before investing.

All Capital Group trademarks mentioned are owned by The Capital Group Companies, Inc., an affiliated company or fund. All other company and product names mentioned are the property of their respective companies.

Use of this website is intended for U.S. residents only.

American Funds Distributors, Inc., member FINRA.

This content, developed by Capital Group, home of American Funds, should not be used as a primary basis for investment decisions and is not intended to serve as impartial investment or fiduciary advice.